Insurance on the Costa del Sol

Insurance for Expats on the Costa del Sol — Generali, in English

The Costa del Sol is home to one of the largest concentrations of English-speaking residents in Europe. Along roughly 150 kilometres of Málaga-province coastline — from Nerja in the east, through Fuengirola, Benalmádena and Mijas, to Marbella and Estepona in the west — hundreds of thousands of British, Irish, Scandinavian, Dutch and German expats own homes, run businesses, raise families and retire in the sun. Every one of them needs insurance that actually works when it matters — and paperwork they can understand.

Turner Insurance arranges all cover for Costa del Sol residents and property owners by phone, email and WhatsApp. Generali is a national insurer, so the coverage and premiums are identical wherever you are in Spain — and many clients on the Costa del Sol find dealing with an English-speaking specialist remotely far more straightforward than navigating a local office where Spanish is the working language. Andrew Turner has been an exclusive Generali agent since 2007, DGS registry C0467B54657010. English throughout — the policy, the documents and any claim.

Where We Cover on the Costa del Sol

We have dedicated local pages for the Costa del Sol's main expat towns — each with the full picture of the cover we arrange there. Click your town:

Not in one of these towns? No problem — we cover the whole coast, from Manilva to Torrox, and all of Spain beyond it. Contact us for any location.

Car Insurance on the Costa del Sol

Car insurance is the cover Costa del Sol expats ask us about most. Whether you drive the A-7 coast road daily, keep a runaround at a holiday home, or have just moved over and need to insure a Spanish-registered car for the first time, we arrange Generali car insurance at every level — from third-party (terceros) to fully comprehensive (todo riesgo) — with the policy, documents and claims all handled in English.

• Your no-claims bonus counts. UK, EU, Canadian and US no-claims records can usually be recognised, so your premium drops from day one.
• Not sure which cover level? Our plain-English guide to terceros vs todo riesgo explains exactly what each tier protects and how to choose.
• Driving into Málaga? The city operates a low-emission zone — see our guide to the DGT environmental sticker and ZBE zones.

Local car insurance pages for each town:

All the Cover We Arrange on the Costa del Sol

From your villa and car to your health, your boat and your family's future — the policies we most often set up for Costa del Sol clients. Click any card for full details.

About the Costa del Sol

The Costa del Sol runs along the Mediterranean coast of Málaga province in Andalusia, sheltered by mountains that give it one of the mildest winter climates in mainland Europe — the famous 320-plus days of sunshine a year. International tourism arrived in the 1950s and never left: today the coast is a year-round home to one of the world's great expat communities, with Fuengirola, Mijas and Benalmádena among the municipalities with the largest British-born populations anywhere in Spain, and Marbella drawing an international mix from Scandinavia, the Gulf, the Netherlands and beyond.

Málaga airport — the busiest in Andalusia — connects the coast to the UK and Ireland with dozens of daily flights, which is a large part of why the holiday-home market here is so strong. The coast is also golf's Spanish heartland: the stretch west of Marbella is nicknamed the Costa del Golf, with more than 70 courses within an hour's drive. Add the marinas — Puerto Banús, Puerto Marina Benalmádena, Estepona and Fuengirola — and a large share of Costa del Sol households have a home, a car, a boat or all three to insure.

Useful official resources for Costa del Sol residents:

• Andalucia.org — Costa del SolOfficial Andalusian tourism portal for the coastandalucia.org
• Diputación de MálagaMálaga provincial government and servicesmalaga.es
• Málaga–Costa del Sol AirportOfficial airport information and flight statusaena.es

Local Insurance Considerations on the Costa del Sol

Insuring on this coast comes with a handful of regional specifics worth getting right:

• Wildfire exposure in the hills: the wooded slopes behind the coast — Sierra Bermeja above Estepona, Sierra Blanca above Marbella, the Mijas hills — are genuine wildfire interface zones, as the 2021 Sierra Bermeja fire showed. Hillside villas and urbanisations need their location declared correctly and outbuildings, pools and garden structures properly covered.
• Torrential rain and flash flooding: autumn downpours regularly flood the coast's dry riverbeds and underpasses. Catastrophic flood damage in Spain is paid by the Consorcio de Compensación de Seguros — but only if you hold a valid policy when the water arrives.
• High-value property means high rebuild values: in Marbella, the Golden Mile and parts of Estepona's New Golden Mile, rebuild costs are among the highest in Spain. Under-insuring triggers the regla proporcional — every claim reduced in proportion. We calculate the correct rebuild figure at quotation, free.
• Holiday homes left empty: lock-up-and-leave properties need the correct declared-unoccupancy terms — a standard policy's 30-day clause is not enough for a home used a few weeks a year. Our holiday home insurance is built for exactly this, and our squatters guide covers the empty-property risk owners worry about most.
• Boats and marinas: berth contracts at the coast's marinas require third-party liability as a minimum. We arrange marine insurance from jet-skis to yachts, entirely remotely.